Comeback · Florida
Credit Rebuild — Bankruptcy or Foreclosure in Florida
Past bankruptcy or foreclosure shouldn't keep you out of a Florida home. We have second-chance programs that close in months, not years.
Common challenges we solve
- Waiting periods that feel endless
- Lower credit scores post-discharge
- Want to start building equity again
What you get with Lumos
Non-QM programs as soon as 1 day post-event (subject to program guidelines and lender approval)
FHA in 2 years from BK discharge (subject to program guidelines and lender approval)
Credit-coaching and rapid-rescore on file
What's different in Florida
Florida uses a judicial foreclosure process, so the date that counts for waiting periods is usually the completion date shown in court records, not when you stopped paying. Florida's homestead protection can also protect a primary residence in many bankruptcy cases — ask your attorney how it applied to yours.
Loan programs that typically fit
Frequently asked
- How soon after a foreclosure can I buy?
- 1 day on certain non-QM programs; 3 years on FHA — subject to program guidelines and lender approval.
- Will my rate be much higher?
- Initially yes — we plan a refinance once your scores recover.
